Filed December 11, 2025
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $149,321 | $99,011+50.8% | $86,582+72.5% | $147,586+1.2% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 15.09% | 1312.75%-1297.7pp | 965.08%-950.0pp | 578.59%-563.5pp |
| Employer contribution / active EE | $13,401 | $3,132+327.8% | $2,839+372.0% | $4,876+174.8% |
| Participant deferral / active EE | $7,242 | $3,972+82.3% | $3,609+100.7% | $5,439+33.2% |
| Admin fee / account holder | $3,069 | $5,709-46.2% | $4,904-37.4% | $10,886-71.8% |